In North America, there are more pets in homes than ever before and just like any other member of the family, those pets need protection. Insurance policies for pets are very common, whether you have a purebred Golden Retriever or a Mixed-breed dog.
As a pet parent, it can be a bit confusing to start with so many pet insurance companies out there. Trying to find the perfect pet insurance policy can mean reading an overwhelming number of pet insurance reviews.
It’s always recommended to check with at least a few pet insurance companies and analyze their pet health insurance plans before making a choice. As pet owners, we all know vet bills can skyrocket when adding up exam fees, x-rays, or cancer treatments. Finding the right insurance coverage for your pet’s needs is crucial.
Some policies will offer wellness coverage including heartworm treatment, teeth cleaning, or routine vet visits while other policies require an add on to cover any wellness care.
Make sure you read the fine print to see if there are age limits or exclusions for certain conditions like cruciate ligament injuries. As a general disclaimer, NO pet insurance company will cover pre-existing conditions.
We’ve analyzed several of the best pet insurance companies including Figo, Trupanion, ASPCA, Nationwide, Embrace, and others, but today we’re going to focus on two in particular.
Healthy Paws and Pets Best are both excellent companies but offer different pet insurance plan coverages and benefits when compared.
Click on the links above to quickly navigate this comparison of Pets Best and Healthy Paws Pet Insurance or continue reading below:
Table of Contents:
Overview of Pets Best & Healthy Paws
Healthy Paws is among the best pet insurance providers companies and a popular choice among veterinarians. All their policies have no annual reimbursement limits or co-pay percentages. Underwritten by Chubb Limited, they have a waiting period of only 15 days for injury and illness coverage, including hip dysplasia coverage.
They do not offer complete coverage of wellness visits or other routine care costs and do reduce reimbursement percentages if your pet ages past 8 years old.
They offer very comprehensive coverage with unlimited benefits that are provided in all of their plans, including chiropractic care. They also offer a mobile app allowing you to submit your claim quickly and efficiently, check claim status, review policy details, and even upload photos of your pet. Healthy Paws has a rating of an A+ and excellent customer reviews.
Pets Best offers is one of the top pet insurance companies when looking for insurance plans that cover the wellness of your pet. They offer two wellness plans that cover routine care and treatment.
Pets Best also offers standard coverage including exams, medical prescriptions, and alternative treatment. Pets Best has no age restrictions and will cover older pets regardless of their age. They are also set apart from Healthy Paws through offering a 24/7 pet health hotline and optional accident or illness exam fee coverage.
Pets Best only offers unlimited benefits in their most expensive plans. All of the other plans have benefit limits of up to $5,000.
Pets Best vs. Healthy Paws: Coverage Compared
Healthy Paws Coverage Explained
Healthy Paws has plans for both dogs and cats with excellent comprehensive coverage plans available in the industry with no limits on their coverage payouts.
Their plans will cover all illnesses and accidents without any restrictions for genetic or hereditary conditions which even includes cancer.
Healthy Paws also covers hospital visits, all types of surgeries, and last-minute emergency care. Their plans have reimbursement levels that can go up to 90% of the actual medical bill.
Healthy Paws has no limit as to what they will reimburse you each year which is helpful if your dog or cat gets injured or needs serious treatment. There is a waiting period of 15 days before coverage can begin injuries and illnesses.
Healthy Paws plans are one of the few that offer unlimited and even lifetime benefits with no caps.
Medical Conditions Covered:
- All Accidental and Illnesses
- Chronic Conditions
- Hereditary Conditions
- Dental that is Accident Related
Medical Treatments Covered:
- All Testing
- Emergency Care
- Specialist Care
- Hospital Visits
Healthy Paws also covers the treatment for hip dysplasia as long as the condition was not pre-existing and the pets are less than six years old.
Pets Best Coverage Explained
Pets Best has three different coverage options.
The company’s 3 plans which are called Essential, Plus, and Elite cover the following conditions:
- All Accidents
- Emergency Hospital Care
- Hereditary/Congenital Conditions (not pre-existing).
- All Illnesses
- Prescription medication coverage is also included in all plans
Two wellness plans, if of interest, can be an addition to any of the standard policies that cover procedures like neutering or spaying, bug bites, vaccines, and other routine procedures.
Their Elite plan goes one step further to include alternative therapy options.
The Accident Only plan covers most accidents and includes broken bones, swallowing something accidentally, insect or snake bites, and many other accident-related incidents.
The plans which include hereditary and congenital issues will have a higher premium.
The Accident Only plan will not cover any type of illness or medical condition.
Healthy Paws does not offer a wellness plan but will cover all accidents under their standard policies. And there are no limits on any of their plans: no per-incident, annual or lifetime caps on payouts.
Medical Conditions Covered:
- All accidents and illness
- Congenital & Hereditary
- Chronic Conditions
- Dental that is Accidental
Medical Treatments Covered:
- All Diagnostic Tests
- Hospital Visits
- Specialty Treatment
- Prescription Medications
- Alternative Therapy Treatment
- Benefit Limits
- Healthy Paws is unique in that it offers all its policies with unlimited benefits plans and even in their most basic plan.
Pets Best vs. Healthy Paws: Benefit Limits Compared
Healthy Paws Benefit Limits
Healthy Paws is one of the few insurers that offer policies with no limits or caps, including annual, lifetime, or per incident caps. With Healthy Paws, the unlimited benefit option is included in their standard plan which is an excellent option.
As mentioned above, if your dog gets in an accident and needs to see your vet multiple times, there isn’t a cap or limit level of money spent or visits.
As long as the treatment is for something that is not pre-existing, they will pay the medical bill incurred at the chosen reimbursement level.
This can be very helpful if you have a very large medical bill or if your dog or cat becomes ill.
Pets Best Benefit Limits
Pets Best offers their unlimited benefit option in just the Elite plan. The other plans have a limit of $5,000 annually which can be hit with one hospital treatment or emergency care.
Healthy Paws vs. Pets Best: Deductibles Compared
Healthy Paws Deductibles
Healthy Paws has an annual deductible which is paid on your first bill and only one time. You have a choice of deductible and if you choose a lower deductible, the premium will range higher.
You can choose any of their deductibles:
Pets Best Deductibles
Pets Best does offer more deductible choices from $50 to their highest of $1,000.
$50 is one of the lowest deductible options among the top insurance companies.
If you opt for a higher deductible, the price each month will be less but your portion of the vet bill will then be a bit higher.
And with a lower deductible, you pay more each month and less on the vet bill.
The wellness plans can be a nice addition if routine visits are important to you and there is no deductible.
Pets Best vs. Healthy Paws: Reimbursements Compared
Healthy Paws Reimbursements
Healthy Paws allow you to choose a reimbursement of 70% to 90%. They pay you back on your medical bill minus the deductible.
Similar to how deductibles work, the higher choice of premium, the more reimbursement you will get each claim.
Pets Best Reimbursements
Pets Best has a similar reimbursement option of 70% to 90%.
If you want to be reimbursed more for each claim, choose the higher premium rate.
Healthy Paws vs. Pets Best: Pricing Compared
Pricing is always a big factor in anything we purchase including pet insurance for our dogs and cats.
Pets Best Pricing
Pets Best’s lower level plans are within range of most pet insurance companies while their Elite plan tends to run higher than the other providers.
The Elite plan will cost up to $75 each month. The minimum cost of a wellness plan is another $16 per month.
Dog insurance plans will start at $29 and up, while cat insurance plans will start around $16 each month.
Accident plans are very inexpensive at about $10 each month if you are on a tight budget and want just a little coverage.
Cats can be covered with these plans for approximately $7 every month and dogs for about $10.
5 % discounts are available for those in the military and for more than one pet.
The monthly premium rate is around $30 for dog insurance $16 for cat insurance.
Healthy Paws Pricing
Healthy Paws has extremely fair prices considering their plans don’t have benefit limits.
There discounts for the lifetime of your pet of 10% for membership in these groups:
- Volunteers in Animal Welfare
- AAA members
- AARP members
- Costco and even some military members
Employer-sponsored plans receiver a 15 % discount.
Dog insurance starts at $33 and cat insurance at $17.
Pets Best vs. Healthy Paws: Waiting Periods and Enrollment Compared
Healthy Paws Enrollment
Healthy Paws pets can be enrolled is at 2 months old with older pets only being able to be enrolled at 13.
Healthy Paws waiting periods are the following:
- 15 days all illnesses and accident
- 12 months for coverage for hip dysplasia
Healthy Paws has a 15 day waiting period for accidents and illnesses. The waiting period for hip dysplasia is 12 months.
Accident coverage begins 5 days after enrollment, but there is a 15 day waiting period for illnesses. Medical records are not required for enrollment.
Pets Best Enrollment
Pets Best is unique in allowing dogs and cats to enroll at all ages of their life and this even includes when you extend your policies each year.
Their waiting period is typical of most with an illness covered after 14 days and accidents covered after 3 days. Wellness plans can begin 24 hours after enrollment while there is a waiting period of about 6 months for cruciate, hip, or patella issues.
Kittens and puppies may be enrolled at around 7 weeks old and with no extra fees to sign up, your pets are covered right away.
Pets Best vs. Healthy Paws: Customer Service and Claims Compared
Healthy Paws Customer Service and Claims
Healthy Paws reimburses is claims quickly and efficiently.
Their customer support is available Monday through Sunday (but not after hours). Claims are generally processed within a few days.
Pets Best Customer Service and Claims
Pets Best has very quick and easy claims processing. They usually pay within 5 days. And policyholders can make the claim process much faster via their online app.
You can also have your account set up to include direct deposit or just to have them pay your vet directly.
Pets Best also has a veterinary helpline that is offered at any time, 24/7 through their whiskerDocs®.
WhiskerDocs can answer your questions about your pets and are actual vet experts who you can contact through email, phone, or even chat to address your concerns.
Petplan also offers their option of the 24/7 helpline for pet questions.
Healthy Paws vs. Pets Best: Which Is Best For Your Pet?
Healthy Paws and Pets Best both have excellent plans at reasonable prices. If you are looking for a wellness plan, then Pets Best may be the better choice.
But, if you want standard pet insurance that will pay for all accidents and illness, Healthy Paws is the one for you.